S. C. STATE
Charter #24824 | SC
1B-3B
(304 CUs)
Mid-Market
($1B-$5B)
(380 CUs)
8 1B-3B in SC
S. C. STATE has 10 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 3.4% in tier
- + Organic Growth Engine: Top 3.9% in tier
- + Wallet Share Momentum: Top 23.3% in tier
- + Organic Growth Leader: Top 25.3% in tier
- + Relationship Depth Leader: Top 26.5% in tier
- + ROA 1.27% above tier average
- + Net Interest Margin 0.79% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.0% in tier
- + Net Worth Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 3.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
91,694
+2.0% YoY+0.7% QoQ
|
-7.0K |
98,678
-1.9% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
53rd in tier |
| Assets |
$1.4B
-1.5% YoY+0.5% QoQ
|
$-318.1M |
$1.7B
+0.5% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
38th in tier |
| Loans |
$845.0M
+6.6% YoY+1.8% QoQ
|
$-388.1M |
$1.2B
+0.5% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 19.4% in tier |
| Deposits |
$1.2B
+4.6% YoY-0.1% QoQ
|
$-275.8M |
$1.5B
+1.3% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
40th in tier |
| ROA |
2.0%
+11.4% YoY+6.1% QoQ
|
+1.3% |
0.7%
+13.4% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
Top 1.0% in tier |
| NIM |
4.1%
+6.3% YoY+2.3% QoQ
|
+0.8% |
3.3%
+9.3% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
Top 9.5% in tier |
| Efficiency Ratio |
55.1%
+0.2% YoY+0.7% QoQ
|
-18.9% |
74.0%
-10.9% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
0.8%
-12.4% YoY+5.2% QoQ
|
-0.0 |
0.8%
+6.1% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
64th in tier |
| Loan To Share |
71.7%
+1.9% YoY+1.9% QoQ
|
-13.5% |
85.2%
-0.8% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 16.8% in tier |
| AMR |
$22,068
+3.4% YoY-0.1% QoQ
|
$-7K |
$29,172
+2.8% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.8% in tier |
| CD Concentration |
20.1%
+7.7% YoY+3.7% QoQ
|
-8.9% |
29.0%
+0.8% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
Bottom 14.2% in tier |
| Indirect Auto % | 0.0% | -18.8% |
18.8%
-2.8% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (5)
Emerging Performer
growth
#19 of 184 • Top 3.4% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
1.98%
(Tier:
0.71%, National:
0.71%)
Member Growth (YoY):
2.00%
(Tier:
3.18%, National:
9.37%)
184 of 380 Mid-Market CUs have this signature
| 852 nationally
↑ Growing
+18 CUs YoY
|
Rank worsening
Organic Growth Engine
growth
#29 of 246 • Top 3.9% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.00%
(Tier:
3.18%, National:
9.37%)
Return on Assets:
1.98%
(Tier:
0.71%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
18.80%, National:
7.90%)
246 of 380 Mid-Market CUs have this signature
| 917 nationally
↑ Growing
+14 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#169 of 264 • Top 23.3% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.35%
(Tier:
3.04%, National:
4.19%)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#100 of 138 • Top 25.3% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.00%
(Tier:
3.18%, National:
9.37%)
138 of 380 Mid-Market CUs have this signature
| 608 nationally
↑ Growing
+11 CUs YoY
Relationship Depth Leader
growth
#192 of 264 • Top 26.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.35%
(Tier:
3.04%, National:
4.19%)
Share Draft per Member:
$2.5K
(Tier: $3.1K, National: $2.0K)
264 of 380 Mid-Market CUs have this signature
| 1330 nationally
↑ Growing
+60 CUs YoY
|
Rank worsening
Concerns (1)
Liquidity Overhang
risk
#13 of 113 • Bottom 3.7% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
15.00%
(Tier:
11.30%, National:
14.51%)
Loan-to-Share Ratio:
71.70%
(Tier:
86.35%, National:
67.96%)
113 of 380 Mid-Market CUs have this signature
| 691 nationally
↑ Growing
+9 CUs YoY
|
Rank improving
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 18.32%
#1 of 304
Top 0.0% in 1B-3B tier
3
Return on Assets (ROA)
profitability
Value:
1.98%
Peer Avg: 0.70%
#3 of 304
Top 0.7% in 1B-3B tier
7
Efficiency Ratio
profitability
Value:
55.07%
Peer Avg: 73.97%
#7 of 304
Top 2.0% in 1B-3B tier
25
Net Worth Ratio
risk
Value:
15.00%
Peer Avg: 11.44%
#25 of 304
Top 7.9% in 1B-3B tier
29
Net Interest Margin (NIM)
profitability
Value:
4.06%
Peer Avg: 3.26%
#29 of 304
Top 9.2% in 1B-3B tier
47
Share Certificate Concentration (%)
balance_sheet
Value:
20.09%
Peer Avg: 28.53%
#47 of 304
Top 15.1% in 1B-3B tier
71
First Mortgage Concentration (%)
balance_sheet
Value:
22.54%
Peer Avg: 34.01%
#71 of 304
Top 23.0% in 1B-3B tier
Top Weaknesses (6 metrics)
269
Asset Growth Rate
growth
Value:
-1.54%
Peer Avg: 4.83%
#269 of 304
Bottom 11.8% in 1B-3B tier
267
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,216
Peer Avg: $13,213
#267 of 304
Bottom 12.5% in 1B-3B tier
261
Net Charge-Off Rate
risk
Value:
1.02%
Peer Avg: 0.60%
#261 of 304
Bottom 14.5% in 1B-3B tier
259
Average Member Relationship (AMR)
engagement
Value:
$22,068
Peer Avg: $29,172
#259 of 304
Bottom 15.1% in 1B-3B tier
253
Loan-to-Share Ratio
balance_sheet
Value:
71.70%
Peer Avg: 85.19%
#253 of 304
Bottom 17.1% in 1B-3B tier
245
Total Loans
balance_sheet
Value:
$845.01M
Peer Avg: $1.23B
#245 of 304
Bottom 19.7% in 1B-3B tier